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Established Aug. 2, 1846, registered and empowered under British l'arliament, 7 and 8 Vic., c. 110. CAPITAL $5,000,000.

GOVERNOR,

THE RIGHT HON. THE EARL OF ELGIN AND KINCARDINE,
Governor-General of Canada.

HEAD OFFICE, No. 22 St. Andrew Square. Edinburgh.

LONDON OFFICE..

DUBLIN OFFICE.

GLASGOW OFFICE.

BELFAST OFFICE.

DUNDEE OFFICF..

.No. 4 A. Lothbury.

No. 66 Upper Sackville st.

No. 35 St. Vincent Place.
.No. 28 High-st.

No. 1 Bank-st.

With Agencies in all the principal towns in GREAT BRITAIN and IRELAND.

FOREIGN BRANCH OFFICES.

CANADA-Head-Office, No. 49 Great James-st., Montreal.

NEW-BRUNSWICK-Head-Office, St. John.

NOVA SCOTIA-Head-Office, Halifax.
NEWFOUNDLAND-Head-Office, St. Johns.

EAST INDIES-Branches in Calcutta and Madras, also in Colombo, Ceylon.
CHINA-Branch at Shanghae.

WEST INDIES-Branches in Demerara, Jamaica, Antigua, Trinidad, St. Kitts,
Domingo, Grenada, St. Vincent.

Numerous Agencies are established in connection with the above Branches.

Established in the UNITED STATES OF AMERICA,

By Registration and Deposit of Securities in accordance with the Laws of the Legislature of the State of New-York.

NEW YORK:-Office, No. 237 Broadway.

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ROYAL PHELPS, Esq...

Banker.
Merchant.
.Banker.

.President Phoenix Bank.
Merchant.

.Banker, Boston

.Albany.

.Merchant.

JAMES S. WADSWORTH, Esq., of Geneseo, Livinsgton Co., New York.

PRESIDENT,

G. A. THOMSON, Fellow of the Institute of Actuaries, London.
JOSEPH BLUNT, Counsel.

MEDICAL ADVISERS.

JOHN T. METCALFE, M. D., and JOHN O. STONE, M. D.

This Company was established in Scotland under the direction of persons who had been long practically acquainted with, and connected with, the working of Life Assurance Institutions. the leading object of its promoters being to afford. as far as possible to parties insuring their lives in all parts of the world. the same facilities and advantages as are enjoyed in that respect by parties in Great Britain. Branch Establishments were first extended to the Colonies of Grea: Britain, and these have been attended with complete success.

The Report of the Seventh Annual General Meeting of the Company, held at Edinburgh, on Tuesday, the 1st of November, is printed in the Company's prospectus, which can be obtained at the Company's Office.

The first division of Profits, being for a term of seven years, falls to be made in 1854, and all Policies taken out in the Participation Class on or before the 25th of May, have right to participate in that Division.

The Company is now an American as well as a British institution, having conformed to the laws of the State of New York in relation to Life Assurance Companies. Securities to the amount of $100,000 have been deposited with the Comptroller of the State and in addition to the security thus afforded, parties effocting Assurances with the Company in America have the advantage of the large subscribed Capital in Great Britain.

Detailed prospectuses, forms of proposal, and every information may be obtained on application at the Company's office. By order of the Board of Directors.

G. A. THOMSON, President of the Company in New York.

HORACE WATERS, 333 BROADWAY, N. Y.,

Sole Agent for the sale of T. Gilbert & Co.'s celebrated Pianos, with and without the Eolian, Wholesale and Retail, at prices which defy competition.

T. GILBERT & CO'S Magnificent Pianos are most beautifully finished, and are deemed the most welcome presents, that possibly can be given to Wife, Sister or Friend-their superiority of tone, and solidity of construction, have earned them a world-wide reputation-being constructed with iron frames, they resist all variableness of climates. Testimonials may be seen at the sole Agent's, Horace Waters', 333 Broadway, from all parts of the United States and Canada; they are not only the best Pianos in the world, but in consequence of the Manufacturers' immense business, they are enabled to sell Pianos cheaper than any other establishment In the United States. They have for nine years added with great success their celebrated Patent Eolian attachment, and when used in unison, these Pianos produce the most beautiful sound that ever greeted mortal ears. With respect to this Invention. the Eolian is perfectly independent of the Piano, so that the one may be out of tune, without injuring the other, this statement is necessary to be made, as parties have imagined to the contrary.

PIANOS with or without Eolian from $200 TO $1000.

The attention of those wishing to make a beautiful and desirable Gift, is invited to the following very discriminating and just notice of Gilbert's unrivalled Eolian Piano Fortes, from the Home Journal."

"The Eolian Piano Forte, as improved by the holders of the patent, Messrs. T. Gilbert & Co., is undoubtedly the most splendid musical instrument which human ingenuity has yet constructed. Two instruments are blended in one. The Eolian is both attached and detached; so that the Piano may be played with or without it; or with one hand the performer may elicit the melodious strains of the Eolian, and with the other evoke the harmonies of the Piano. The Piano may be out of tune, or seriously injured, without harm to the Eolian, and the Eolian may be out of order without diminishing the brilliancy of the Piano. The instrument which, in the evening, incited to the dance, or aided the festive song, gives forth in the morning, the pealing tones which prelude and accompany the solemn hymn. It is no wonder, therefore, that the demand for the Eolian Piano Forte has reached a height whieh the manufacturers find it difficult to supply. We were informed by Mr. Waters, the agent of T. Gilbert & Co., in this city. and throughout the United States, that it is no uncommon circumstance for him to dispose of twenty Pianos and Melodeons a week, Mr. Water's new rooms, we may add, are very inviting to the lovers of music. Those who wish to see with their own eyes, and hear with their own ears, that what we have just written of the Eolian Piano Forte is literally true, should call at Mr. Waters' establishment, where they will find these instruments in all their varieties of style and price. Mr. Waters likewise has a large assortment of superior music, Martin's guitars, Smith's melodeons, flutes, music stands and stools; and indeed, every article of particular interest to the music-loving public. But he has nothing in his rooms equal in beauty and completeness to Gilbert's Eolian Pinno Fortes."

SECOND-HAND

PIANOS,

Nearly equal to new, from the best manufactories. at great bargains, from $40 to $150.

MELODEONS.

S. D. & H. W. SMITH'S celebrated Melodeons are tuned in the equal temperament, the harmony being as good in the remote keys as it is in the common-the only Melodeons so tuned, and unquestionably the best, (in corroboration of which statement please see N. Y. Musical Review for October, 1853.) HORACE WATERS, Sole Agent. MARTIN'S GUITARS, AND ALL KINDS OF MUSICAL INSTRUMENTS. MUSIC PUBLISHED DAILY.

THE

ZINC PAINTS,

MANUFACTURED BY

NEW-JERSEY ZINC COMPANY, MANNING & SQUIRE, Agents, No. 45 Dey-Street, New-York,

These PAINTS are now offered to the public on liberal terms. Their superiority, in every re pect, to Lead Paints is well established wherever they have been used.

They are for sale by the principal dealers in New-York, and in all the large Cities and Towns of the Union,

AG AT MANUFACTURERS' PRICES.

V. B. PALMER'S AMERICAN NEWSPAPER SUBSCRIPTION and ADVERTISING AGENCY, NEW YORK--Tribune Buildings. BOSTON--Scollay's Building, Court st.

PHILADELPHIA--N. W. corner of Third and Chestnut sts.,

Embraces most of the best Commercial, Political, Religious, Literary, Scientific, Congressional, Legislative, Reformatory, and Agricultural Journals, Prices Current, &c., in the United States, British Provinces, &c., for which he is the duly appointed agent-specially authorized by the proprietors to receive and receipt for subscriptions and advertisements; thereby affording every facility for the transaction of business with the best and most widely-circulated journals of all the cities and principal towns in the country.

V. B. PALMER, the Agent, is prepared to give all requisite information on the subject of a complete system of ADVERTISING in the Newspapers of the COUNTRY, far and near.

He believes that the material affairs of business transactions must be aided and sustained by a proportionate exercise of intellectual energy; and this intellectual energy should keep pace with the facilities by which the material affairs of business are advanced.

Every one is now obliged, if he would keep pace with the times, to aid his physical exertions in trade, or whatever business he may be engaged in, by due recourse to those means by which his business may become generally known, This is the intellectual part of his business, and the Press is THE great medium through which it must, at the present day, be developed. Now-a-days newspapers are diffused far and wide; they are read by all, and afford the only vehicle by which men and establishments become generally known. At the present day, as yet, this engine of intelligence has not attracted attention commensurate with contemporary improvements, simply because the materiel of business is more palpable and tangible, and it will be only by degrees that the power of the press will be acknowledged as equal to that of steam for the furtherance of business enterprise.

A business man may learn through this agency, just what journals to advertise in to reach, effectively and cheaply, the sections wherein his trade may be extended.

To public institutions, reading-rooms, clubs, &c., as well as to individuals, in all parts of the world, the Agency presents a convenient, safe, and ready means of subscribing for the best journals in the Union, and advertising in any number of the most desirable business papers. Remittances may be made from any section of the country, with entire assurance that all orders for newspapers, periodicals, books, &c. &c., will be faithfully and promptly attended to. Address V. B. PALMER, Newspaper Agent, New York, Tribune Buildings; Boston, Scollay's Building, Court st.; Philadelphia, N. W. corner of Third and Chestnut streets.

As he has no connection with any other person, all communications and orders intended for the Agency should be directed to V. B. PALMER. To prevent imposition, the public have been repeatedly cautioned against the acts of imitators and pretended agents, who infest some of the cities.

Advantages of Advertising in Newspapers of the City and Country,

at V. B. Palmer's Advertising Agency.

1. The most widely-circulating journals in America are on file for convenient examination and selection. and the terms of each recorded for the inspection of subscribers and advertisers. 2. The publishers have appointed and authorized him to make contracts for subscriptions and advertisements. His receipts are regarded as payments, and therefore valid and sufficient. 3. Advertisements are inserted in any one paper, or (from a single copy) in any number, at the lowest cash prices, without extra charge, at the earnest practicable time, and a copy of each paper furnished to the advertiser, that he may see that his order is complied with.

4. Editorial and Business notices inserted on the most favorable terms, calling attention to advertisements.

5. Reliable explanatory information of places, character, and circulation of papers, adaptation to various business pursuits, and comparativo rates of advertising in different papers, cheerfully given. with every reasonable facility for adoptiug at once a safe, efficient, and judicious system of advertising.

6. Advertisers save the postage, and avoid the labor of corresponding with publishers, risk of remittances, unseasonable and repeated calls of strangers with separate bills, the vexatious deceptions of journals of dubious character, and losses from contracting with incompetent and irresponsible persons, of doubtful authority.

7. To avoid unnecessary expense, concise forms of advertisements are recommended, and written without charge, and valuabie practical suggestions made for improving in style and force such as are written by unpractised hands.

[From the New York Daily Tribune.]

The business of advertising 18 imperfectly understood by merchants generally. Mr Palmer's great experience and extensive agency enable him to give very important and valuable suggestions in these mat ers to all who may favor him with an interview. The subject, as presented by him, is worthy the serious attention of all persons engaged in active business.

From an intimate acquaintance with Mr. Palmer, we are prepared to say, that any business connected with the zencies which he advertises will be both promptly and honorably transacted. In the matter of newspaper Agencies, he lins reduced the business to such an admirable system, that all parties can hardly fail to be satisfied.

[From the Bangor Democrat.]

Mr. V. B. Palmer is our only Agent in Boston, New York, &c. No attention will be paid to any other agency in the above cities.

[From the Morristown Jerseyman.] V. B. Palmer, Tribune Buildings, is our Only Agent in New York We make this announcement in answer to several appliestions for that purpose.

[From the Brockville (Can.) Recorder.] V. B. Palmer, the well known and enterprising American Newspaper Agent. has been deputed by us to procure sub scriptions and advertisements for the Recorder in the cities of New York, Boston, and Philadelphis, whose every act in reference to the above will be binding on us.

29 & 31 GOLD STREET,

MANUFACTORY ON BROOME, SHERIFF AND COLUMBIA STREETS, NEW YORK.

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Washington and Smith Hand Presses, Self-Inking Machines, Card Printing
Machines, Proof Presses, Hydraulic Presses, with wrought iron Cylinders,
Standing Presses, of various kinds, Chases. Cases, Galleys, Furniture,
Stands, Imposing Stones; also, Lithographic and Copperplate

Binders' Presses, Materials, &c., &c.

A Catalogue of prices, containing cuts and description of many of the Machines, with directions for putting them up and working them, may be had on application by mail, or oth

erwise.

Printers, Publishers, and others, wishing to purchase, will be furnished with an estimate for an office, or bindery, in detail, if desired.

They keep constantly on hand at their ware-rooms, or furnish at short notice, on the most reasonable terms, every article necessary for a complete Printing Office, including type, ink, &c.

They also manufacture Cast Steel Circular, Mill. Pitt and Cross-cut Saws, &c.

TO PRINTERS.-N. B. They also invite the particular attention of Job Printers to the smaller sizes of the single Large Cylinder Presses. The Foolscap, Medium and Super-Royal sizes, are found exceedingly useful and profitable for jobbing of all kinds, from the finest work in colors, to the cheapest programme or hand-bill. Script circulars, bill-heads, checks and blanks are printed on either size, with the greatest facility, neatness and uniformity. By their rapid execution, a job of 500 can be made ready and printed in the time usually required to get the form ready on a bed and platen press. Vulcanized Rubber Cloth is furnished, so that for different sized forms no change of blanket is necessary. They may be seen in operation in all the principal job offices in New York and other cities.

Folio Post,
Medium,
Super-royal,

Bed 24 by 19 inches
"282" 23"
"33 * 272%

$900.
1200.

1400.

An assortment of SUPERIOR COPYING PRESSES for sale at their Warerooms.

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These Machines have been in successful operation, in the hands of manufacturers and families, for the past two years, and in every case have given universal satisfaction. The Proprietors are now prepared to offer them to the public-with that increased confidence in their merits which the united testimony of their numerous customers has strengthened and confirmed.

These Machines are entirely different from any other, the principles on which they are made being exclusively our own.

Among the advantages of this Machine over any others are the following

1. The simplicity of its construction, and the ease with which it can be kept in the most perfect order.

2. The perfect manner with which the operator is enabled to stitch and sew the various kinds of work, from the finest linen to the coarsest cloths.

3. It particularly excels in the rapidity with which work can be executed; in that respect it has no equal.

4. The little power required to propel them, enabling even those of the most delicate constitution to use them without injury to their health.

We are now manufacturing a larger sized Machine, more particularly adapted to the sewing of leather, canvas bags, and the heavier kinds of cloths.

An examination of the Machines is respectfully solicited at our Office.

WHEELER & WILSON MANUFACTURING Co.,

265 BROADWAY, NEW YORK.

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